为进一步探索移动支付采纳的关键影响因素,从行为因素和心理因素两个层面首次提出了以消费者信心作为调节机制的理论模型。研究发现,相对优势与移动支付采纳意愿之间的正向关系随消费者信心的减弱而减弱;感知风险与移动支付采纳意愿、感知成本与移动支付采纳意愿之间的负向关系随消费者信心的减弱而增强。感知有用性和感知易用性对移动支付采纳意愿不受消费者信心的调节影响。 In order to further explore the key influencing factors for the adoption of mobile payment, the theoretical model of consumer confidence as the regulatory mechanism is first proposed from the behavioral and psychological aspects. The research found that the positive relationship between relative superiority and mobile payment willingness will be weakened with the decrease of consumer confidence. The negative relationship between perceived risk and mobile payment willingness to adopt, perceived cost and mobile payment willingness will follow consumer confidence Weakened and enhanced. Perceived usefulness and perceived ease of use of mobile payment will not be affected by the adjustment of consumer confidence.